A Health Savings
Account (HSA) is an account into which you can place pre-tax dollars to
pay for current medical expenses, or save for the future. As healthcare
needs arise, you select when and where you seek treatment – and pay from
your tax-free HSA account. If you do not spend the money, the dollars
contributed to your account are yours to keep. Dollars remain in your
account and grow tax-deferred to be spent as you wish after age 65
(similar to an IRA or a 401k). An HSA account provides options and
control over your healthcare choices, and also provides a tax-sheltered
savings platform that grows as a tax-free retirement savings account.

In response to
member requests for a plan of benefits that would qualify as a Health
Savings Account, the Georgia Bankers Association Insurance Trust, Inc.
offers four Health Savings Account-eligible plans. Here are the
summaries for the 2015 plans: